Oakland, IA · Cert 25604
FDIC
Q3 2004
Return on Assets (YTD, annualized)
Net Interest Margin (YTD, annualized)
Efficiency Ratio (YTD, annualized)
Tier 1 Leverage Ratio
Year to date, annualized, through each quarter.
| Metric | Q4 2002 | Q1 2003 | Q2 2003 | Q3 2003 | Q4 2003 | Q1 2004 | Q2 2004 | Q3 2004 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||||
| Return on Assets | 1.12% | -4.91% | -1.23% | -1.16% | -3.53% | 1.38% | 0.41% | 1.28% | +244 bps | |
| Return on Equity | 15.54% | -71.56% | -17.04% | -15.69% | -49.42% | 18.60% | 5.11% | 14.75% | +3,043 bps | |
| Net Interest Margin | 4.45% | 4.47% | 4.07% | 4.18% | 3.84% | 4.49% | 3.41% | 3.20% | -98 bps | |
| Efficiency Ratio | 55.00% | 62.13% | 68.58% | 84.26% | 93.89% | 72.51% | 88.38% | 101.73% | +1,747 bps | |
| Non-Interest Burden | 2.07% | 2.49% | 2.55% | 3.40% | 3.56% | 3.11% | 2.95% | 3.27% | -13 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | 16.22% | 14.11% | 4.22% | -12.35% | -22.46% | -20.01% | -20.31% | -24.52% | -1,217 bps | |
| Loan Growth (YoY) | 28.02% | 8.64% | -7.91% | -23.20% | -37.93% | -43.67% | -41.67% | -34.99% | -1,179 bps | |
| Deposit Growth (YoY) | 17.01% | 16.50% | 10.52% | -11.10% | -19.24% | -20.18% | -21.87% | -27.36% | -1,627 bps | |
| Asset Quality | ||||||||||
| Nonperforming Loans / Loans | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0 bps | |
| Net Charge-Offs / Loans | 0.40% | 0.10% | 0.70% | 1.25% | 4.66% | 0.16% | 0.48% | 0.46% | -79 bps | |
| Allowance / Loans | 1.23% | 3.10% | 3.28% | 3.22% | 4.23% | 4.88% | 5.78% | 5.42% | +220 bps | |
| Allowance Coverage of NPLs | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a |
| Capital | ||||||||||
| Tier 1 Leverage Ratio | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a |
| Total Risk-Based Capital | 9.68% | 8.68% | 10.85% | 11.63% | 9.13% | 14.90% | 15.40% | 17.51% | +588 bps | |
| Equity / Assets | 7.39% | 6.32% | 7.96% | 7.97% | 5.97% | 8.90% | 9.28% | 10.99% | +302 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Deposits | 99.00% | 95.17% | 89.88% | 81.42% | 76.09% | 67.17% | 67.10% | 72.87% | -855 bps | |
| Liquid Assets / Assets | 0.07% | 0.01% | 0.15% | 0.12% | 0.10% | 0.12% | 0.06% | 0.08% | -4 bps | |
| CRE / Total Capital | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a |